2Q2023 Financial Performance Summary
Guidance
Bank Only
Loans Growth
(%)
2Q22
3Q22
4Q22
1Q23
2Q23
12.9
11.6
13.1
10.3
9.8
bank bjb
2023
Guidance
10.0 ± 1.0
Revised From 12.0 ± 1.0
Loan to Deposit Ratio
80.2
88.2
85.0
86.0
90.4
≤ 92.0
Revised From ≤ 90.0
NIM
Cost of Fund
5.7
5.8
5.9
4.8
4.8
4.75 ± 0.25
3.0
3.0
3.2
4.3
4.3
4.5 ± 0.25
Coverage Ratio
152.9
148.9
124.3
121.9
119.1
110-120
Revised From 120 - 130
Gross NPL
CASA Ratio
1.1
1.1
1.2
1.2
1.2
46.7
48.7
42.1
45.0
43.2
1.2 ± 0.1
40 ± 5
In current high-interest regime, bank bjb reduces its expansion rate in the low-yield segment while managing cost of fund by optimizing LDR. We adjust the guidance for
loan growth to 10.0% ± 1.0% and LDR to ≤92%. Moreover, considering loan quality is well maintained, we are also adjusting Coverage Ratio to 110%-120%.
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